Today marks the launch of Kandle Finance, a modular, transparent, AI-powered yield infrastructure layer designed for a new era of DeFi, where capital efficiency, risk visibility, and real utility matter more than “highest APY farms.”

Kandle isn’t another yield aggregator.

It’s a unified system that automates cross-chain yield, unlocks LP collateral, and connects DeFi earnings to real-world usage, all through a modular architecture built for scale.

Today, we’re opening the first step of that system to the public: Kandle Earn.

As DeFi matures, user demands are shifting.

• Capital must be productive, not idle.

• Yield must be risk-adjusted, not promotional.

• Systems must be modular, not monolithic.

• Strategies must scale, not break under volatility.

• Infrastructure must be secure and able to scale, not obscure.
  
  

Kandle was built around these realities.

Our architecture (Earn Layer, Curator Layer, Lending Layer, Payments Layer) separates risk, logic, capital routing, and real-world utility. Each layer can evolve independently, enabling safer upgrades, better integrations, and scalable yield frameworks.

At its core is the Earn Layer, powered by AI-driven strategy selection that continually evaluates:

• yield opportunity

• slippage and liquidity

• protocol risk scoring

• cross-chain routing

• volatility conditions
  
  

This is professional-grade yield automation, delivered to everyday users through simple vaults.

We begin with two vaults, each using the same underlying strategy engine, but with different risk-return profiles and subscription limits.

APR: ~10%

Max. Cap: $2M (soft launch cap)

Withdrawals: Enabled after 7 days lock period. After 8 AM UTC December 18th 2025, 

The Genesis Vault is built for users seeking stable, predictable yield without taking on market-sensitive risk. It behaves similarly to the stablecoin saving experience users are familiar with from CeFi, but with non-custodial design.

This vault allocates across battle-tested yield venues, optimized by Kandle’s strategy engine to maintain consistency through market conditions.

Perfect for:

• everyday users

• stablecoin holders

• funds seeking low-volatility returns

• first-time DeFi participants

APR: ~30%

Max Cap.: $1M (soft launch cap)

The Luxe Vault is designed for users comfortable with amplified, market-exposed yield. It uses the AI engine, but uses a different strategy, it includes positions that can outperform in strong markets and carry elevated risk if conditions move sideways.

Perfect for:

• DeFi-native users

• Yield strategists

• High-risk, high-reward participants

Traditional yield platforms are monolithic : one system where every component depends on the other. That creates:

• upgrade friction

• unnecessary coupling

• cascading risk

• slow innovation

Kandle’s modular design solves this.

• Earn Layer handles AI-powered yield routing.

• Curator Layer introduces vetted strategy creators.

• Lending Layer unlocks LP-backed collateral without interrupting yield.

• Payments Layer brings yield into real-world spending.
  
  

Each part of the protocol stands alone but works together.

Today you see the Earn Layer.

Soon, the rest follow.

The initial launch is intentionally simple.

Here’s what arrives shortly after launch:

• Point System

Rewarding early users across deposit, duration, activity, and governance.

• More Vault Strategies

Including diversified pools, multi-asset LPs, and cross-chain optimization.

• Lending Layer Integration

LP tokens becoming collateral, enabling recursive yield loops.

• Early Payments Layer Features

Yield-bearing stable accounts & early partner pilots.

Each step unlocks the next, building toward a full-stack yield infrastructure that DeFi users and institutions can rely on.